What is auto insurance?
Because every state requires you to have the state minimum coverage, you should look for affordable auto insurance that will protect you if you have an accident. If you are a good driver and haven't had any parking tickets or accidents recently, then most insurance companies will offer you discount auto insurance policies.
What does auto insurance cover?
- Bodily Injury Liability: This provides protection if the driver, policyholder, or the policyholder's family member causes bodily injury to someone else.
- Personal Injury Protection (PIP): If the passengers and driver of the policy holder's vehicle are injured, PIP covers the cost of treatment and may also cover lost wages, cost of replacing services, and funeral costs. Search the internet for best auto insurance rates.
- Property Damage Liability: If you or someone else permitted to drive your car damages others' property, this coverage will protect you. When you look for free auto insurance quotes, make sure you will be covered under the Property Damage Liability coverage.
- Collision coverage: This compensates for damage to the policy holder's car as a result of collision with another car. Even if you are at fault, this term will cover the cost of repair to your car minus the deductible. If you are not at fault, then your insurer will try to recover the cost from the other driver's insurer.
- Comprehensive Coverage: Many of you may be asking yourselves "What is comprehensive auto insurance protection?". If you suffer a loss due to theft or a damage caused by something other than a collision, like a fire, explosion, earthquake, or windstorm, then this protects you.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): Individuals who buy cheap car insurance are often underinsured and do not have enough money to pay for losses if they are involved in an accident. If an uninsured, underinsured, or hit-and-run driver hits you or your family member, this term will reimburse the cost of your damages. You will also be protected if you are hit as a pedestrian. When you buy car insurance compare quotes for UM/UIM coverage from different companies.
What are the benefits of buying auto insurance online?
Here are 4 benefits you can get if you buy auto insurance coverage online:
- Easier research: The internet allows you to do extensive research on various companies without having to visit each company. You can easily find the cheapest legal auto insurance online to suit your budget.
- 24/7 service: This is the best part about looking for information online; you can find information when you need it.
- Manage a policy: You can manage your policy, print out proof of coverage, and view/ manage your bill online.
- Claim: You can even file a claim online and follow it up online.
Which factors influence your auto insurance rates?
When you apply for an auto insurance coverage, the company sends over your application to the underwriters. The underwriters evaluate the level of risk associated with an applicant, and accordingly approve and fix his/her rate or reject the application. The factors which are usually considered for the auto insurance underwriting process are:
- Age and gender of the driver
- Driving records/ history of the one to be insured
- Prior claims history
- Efficiency of the driver (driving education)
- Model, make and type of the vehicle
- Age of the vehicle
- Mileage of the vehicle
- Location (where it'll be used)
- Purpose for which the vehicle is used (work, personal, pleasure or commercial etc.)
- How the vehicle is garaged
- Your choice of deductible, limits of coverage and benefits
- Auto insurance score
Converting to a low cost policy
- Safety measures: A few insurers offer discounts for safety measures like anti-lock brakes on used cars.
- Multiple policy rates: Some of the bigger insurance companies that provide different types of insurance offer "bundle" rates if you buy several kinds of insurance, like life insurance and homeowner's insurance in addition to your car insurance.
- Safe driver's discount: In many cases, insurers offer a safe driver's discount if you go for a certain period without a ticket or accident, usually 3 years.
- Renewal discount: If you have been with an insurer for a long time, they might offer a renewal discount to get you to continue your current coverage.
- Discounts for students: If you are a student, unmarried, under the age of 25 years, and you meet the grade requirements, you may get cheap auto insurance.
- Choosing a higher deductible: If you choose a higher deductable, your premium payment will be less, but you will have to pay more if you have an accident.
- Type of car: The type of vehicle you buy is a factor your insurance agent uses to determine your auto insurance premium rate. The quotes you get for an expensive car will be higher than for a more standard car. The age and size of your car also determines how high your premium is.
- Good credit history: Maintaining good credit history may also entitle you to certain discounts.
- Low mileage discounts: Some companies may also offer certain percentage of discounts to individuals who drive less than the average number of miles each year. If you are one of them, then you may also get this privilege.
Will your premium go up after you file a claim?
If you have a bad driving record, your motor insurance company may refuse to renew your policy and varies from one company to another. Accidents caused by drunk driving are more likely to result in a non-renewal of your policy.
If you decide not to inform your insurer about a minor accident, it may cause problems later. If you get sued by the other driver, your auto policy provider might not cover you because of the time lapse. Even if the claim is not refused, it will be harder to find evidence to support your case.
No one can predict when they will get into an accident. Investing in automobile insurance, protects you and your family during accidents and from losing your license for driving without insurance.
- Where to find cheap auto insurance quotes
- Auto insurance FAQ
- How do automobile insurance claims affect your policy?
- What are the advantages of getting auto insurance quote online?
- Should you drop collision coverage from auto insurance policy
- How to get affordable auto insurance quote for teenagers
Useful auto insurance letter
Posted: 31 Aug 2010 03:19 Post Subject: ARIZONA CAR INSURANCE
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Posted: 07 Sep 2010 10:00 Post Subject:
IVE ONLY BEEN ABLE TO AFFORD LIABILITY BUT NEED MY CAR TO BE COVERED IF ANYTHNG GOES WRONG WHAT WOULD U SUGGEST I GET AS MY POLICY THAT WOULD STILL BE A REASONABLE PRICE
Posted: 07 Sep 2010 01:29 Post Subject: Awesome read, well done
Awesome read, well done
Posted: 07 Sep 2010 07:03 Post Subject: Agreed Value Auto Insurance
Does anybody know of a company that offers agreed value car insurance that allows basically unrestricted use? I have a modified, restored 1966 Mustang, which I've put quite a bit of money into rebuilding and would like to use it more or less as my daily car. The agreed value classic car policies are all too restrictive in their terms, e.g., cannot be a commuter car that's driven to work. Anyone have any leads?
Posted: 07 Sep 2010 08:54 Post Subject:
RayGBerg, I cannot say for sure but you may want to see if Progressive offers such a policy. I know they have been moving in the direction of offering many different policies for most any situation.
Posted: 16 Sep 2010 01:06 Post Subject: what is IMT full form
What is the full form of IMT?
Posted: 16 Sep 2010 05:14 Post Subject:
Posted: 17 Sep 2010 07:12 Post Subject: kezia-noble.com - how to get a hot girl in to bed
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Allow Comfortable talking distance between you both
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use pauses and tone
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how long have you been dancing for
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Posted: 24 Sep 2010 06:24 Post Subject: implied insurance
i am 18 years old i am a full time college student i am on my stepmoms insurance my address is the same on my license as my step parents address so i am still technically declared an independant all my items except for a few clothes still remain at my step-parrents house since ive moved into a dorm at college, but i was told about implied insurance that since i had wreck just after i drove a car off a car lot w/o insurance that my parents insurance could be forced to be liable for the person i rear ended
Posted: 24 Sep 2010 09:23 Post Subject:
The fact that you are away from home attending college, you are still covered under your parents' policy -- if you are a listed driver with a listed vehicle. If you purchased another vehicle as a replacement, then you had the same coverage as the vehicle you traded in. But you were required to notify the insurance company of the purchase so that they can adjust the premium to cover the risk. Depending on how long ago the accident was, if you still have not notified them of the purchase and the collision, you have hung yourself out to dry -- dependent or "independent" as the case may be.
Posted: 27 Sep 2010 03:29 Post Subject: Best Auto Insurance
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Posted: 27 Sep 2010 08:24 Post Subject: Insurance claim Denied by State Farm. What to do?
Hi everyone. The problem is that about couple of months ago I was passing through intersection on Yellow light. The other driver made a left turn on Yellow light at the same time, which caused a car accident between us. When a police officer arrived he questioned both of us and after that gave ticket to the other driver for failing to yield right of way( that's what police report sated later when i received it). He was insured by State Farm at the time of the accident. I filed a claim but he's insurance company State Farm denied it, stating that they disputed the lights in the accident. Basically saying that i wasn't sure what was the light during the accident. Me and my friend called them later to ask if they are going to pay for the damages(the estimate i did at the shop $4725.55). The agent told me the same and that the only way is to sue them. What I've learned later that a can't sue them and that i should sue the driver. So I filed a lawsuit against the other driver in small claims court for $3500 because the cap is $3500 at small claims in Omaha, NE. Wanted to get at least that much. On the court day at the court house the administrator told me that he's lawyer transferred the case to the civil court and also demanded Jury. The legal adviser at the courthouse told me that all the lawyers who defended him on the list she saw are State Farm's lawyers and that I don't have any chances. I don't know what to do now. I go to college and work full time. My car is not drivable. Please help!!! Thanks a lot for your time and sorry for such a huge post...
Posted: 27 Sep 2010 08:32 Post Subject: more info
I had liability coverage with Geico at the time of the accident. Thanks again
Posted: 04 Oct 2010 04:18 Post Subject: accident
My daughter was driving my car, She was in a parking lot at walmart. A lady hit my car but my daughteer isnt on my policy. Will it still cover my car.
Posted: 04 Oct 2010 04:36 Post Subject:
Will it still cover my car.First, read my sig.
Probably... but if there was material misrepresentation (you lied on an insurance form... such as claiming no other driers in your household) then they could rescind the policy and not pay the claim.
I'm guessing you are asking about your policy... though "will it" is not very descriptive.
Posted: 14 Oct 2010 01:36 Post Subject: FOR INSURANCE
WE MUST BE INSURANCE OUR CAR$AUTOMOBILE.
Posted: 16 Oct 2010 03:18 Post Subject:
I don't have anything to ask according to this topic. Thanks for another Timely Post. Your ability to share Information is a talent and very appreciated. Thanks for the information, I’ll be making the necessary changes thanks to your tips.
Posted: 25 Oct 2010 05:02 Post Subject: Discountohioautoinsurance
I am in my 18 and want to know everything that my age group needs for auto insurance. One suggested me to get information at discountohioautoinsurance.com, is it a reliable one?
Posted: 27 Oct 2010 07:33 Post Subject:
That was quite educative.
Posted: 01 Nov 2010 09:52 Post Subject:
Will your policy cover everyone that drives your car? Does your Bodily Injury cover passengers if you are at fault in an accident? If you borrow someone’s car and wreck it, does your insurance pay? Or their insurance? Or do you have to pay your friend back out of your pocket? If you are unsure of the answer for any of these questions then I highly recommend you buy your insurance from an independent agent that has been licensed by the state to sell insurance. It is their job and legal duty to fully explain what your policy covers and doesn’t cover. When buying insurance online, you run the risk of not getting the coverage you need and unfortunately, you most likely won’t find that out until it is too late.
Posted: 01 Nov 2010 09:55 Post Subject:
Many states allow insurance companies to slightly customize their policies. In other words, what one insurance company may cover the next one won’t. Don’t risk everything you own just because you want to make a rush decision and save a buck. Take just a few minutes, find an independent agent, and let them learn about your family, your assets, and your needs and offer a policy to you for the best rate for the best coverage.
Posted: 02 Nov 2010 01:32 Post Subject:
Does your Bodily Injury cover passengers if you are at fault in an accident?
If it doesn't, something is wrong. Of course, low liability limits could result in unpaid losses that have to be made up out of one's own pocket.
If you borrow someone’s car and wreck it, does your insurance pay? Or their insurance?
Neither will if both of the policies don't cover collision and the driver of the vehicle is the AT FAULT party.
I highly recommend you buy your insurance from an independent agent that has been licensed by the state to sell insurance.
And be sure you check their license status before you write a check in their name. Most, but not all, insurance companies have you write checks in the name of the insurance company. If your agent is actually a "broker", he/she may have authority to accept checks in the name of their agency, rather than in the name of the insurance company (which is the ONLY way most "agents" may accept the money).
Also . . . be sure to verify the coverage by calling the insurance company and asking if you have a valid policy. You won't offend your agent by doing so. But, there are plenty of people out there who appear to be legitimate, and yet they steal the money of others and leave them exposed to the risk of loss. You don't want to be one of their victims. It NEVER hurts to check.
Posted: 03 Nov 2010 01:02 Post Subject: CO insurance
Do you have to carry auto insurance in the State of Colorado?
Posted: 12 Nov 2010 03:39 Post Subject:
Thanks a lot for your information.
Posted: 25 Nov 2010 09:59 Post Subject: I like your site
Posted: 09 Dec 2010 11:30 Post Subject: they just disappeared
I got in an accident in October...I received one bill after that, paid it, and just realized that I haven't received a bill, nor any cancellation notification by email or snail mail. I went to check my account online (they sent monthly newsletters) and when I typed in my email address, it said my address was not in their system. I feel they've "dropped" me by not sending me anything, and hoping I would not notice in time, so I won't be able to make good, which is what I think happened. The last payment I made had a due date of 10/23; so I've missed 11/23...and that's more than the 30 days required for them to give me a chance to pay...
Posted: 10 Dec 2010 03:29 Post Subject:
The obvious question is: Have you tried calling the insurance company and talking to someone about this?
Posted: 11 Dec 2010 03:54 Post Subject: Settling claim agenst me.
I have a claim that says I hit another persons c ar and put a small smudge on the bumper. I have tried to write to Jennifer Snobeck who has my case but no response from her. I am deaf and cannot hear the phone. I have written her but she claims that she hasn't heard from me.
Claim number-00-181-542195-1324 please try to contact her and tell her I'm sending another letter.
Posted: 12 Dec 2010 01:01 Post Subject:
Constance . . .
We are not the insurance company. We don't even know what company or what state is involved. Every insurance company has a toll-free TTY number that can be called. Look for it on the insurance company's website.
Posted: 14 Jan 2011 06:47 Post Subject: auto insurance
My husband is the primary insured in our auto insurance but his California license got suspended last Nov, 2010 , our auto insurance does not want to renew our policy becasue his drivers license is suspended. is there a way around it? or can possible let me what are our options? we need to renew our car insurance, otherwise DMV will suspend our registration effective Feb 4th 2011.
I hope you can give me some light with regards to my dilemma. I can not be the primary insured since I do not drive at all. what are my options so I can get through processing the renewal of our auto insurance.
Posted: 14 Jan 2011 09:19 Post Subject:
I hope you can give me some light with regards to my dilemma. I can not be the primary insured since I do not drive at all. what are my options so I can get through processing the renewal of our auto insurance.
The statement in bold above is incorrect. If you have insurable interest in the vehicles, whether you drive or not, or even have a driver license or not, is immaterial. You can obtain the necessary insurance. To be declined for any of those reasons is a violation of California law. Insurable interest is an ownership position (if the vehicles are registered in your name in any way -- John AND Mary . . . or . . . John OR Mary . . . or, simply . . . Mary). If the vehicles are not so registered, then you may have a problem -- or you can go to the DMV and change the registration to include your name.
Is your husband's license still suspended? Or was it suspended for a short period of time and is now restored?
If his license is still suspended, then to obtain insurance under your name, you will probably have to EXCLUDE your husband from the coverage. If he drives on his suspended license, there will be no coverage if he is involved in a collision or other claims event . . . not to mention facing the possibility of being jailed for up to one year for driving with a suspended license.
You need to work with a local broker/agent to find replacement coverage if your current insurer will not RECONSIDER your coverage with your husband excluded.
Posted: 16 Jan 2011 05:02 Post Subject: Auto insurance & other insurance from Zenith Financial G
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Posted: 27 Jan 2011 05:42 Post Subject: Insurance
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Posted: 27 Jan 2011 08:20 Post Subject: Issue with the rental car insurance
I rented a car from enterprise with full insurance coverage.
It was snowing on the roads and the car skid which resulted in hitting another car.
This is the first time I rented the car so I have no idea what to do?
So I went to enterprise office to tell them about the accident so that they can take care of it.
Now they say that you should not come here.
As you left the hit area we cannot cover the insurance.
I have no idea what to do next?
They told me that I will get a call from the legal person of enterprise.
Please help me out what can I tell the legal person about this incident.
I cannot fix the car which has the damage,please suggest me.
Posted: 28 Jan 2011 08:21 Post Subject:
What you have been told is probably a bunch of nonsense. Yes, your rental agreement has information about what to do in the event of an accident, and you may not have followed the "rules" properly, but that will not invalidate the coverage, it may just be more difficult to pursue the claim.
what can I tell the legal person about this incident.
The truth. If there was a police report, that will have some/most/all of the information they need. Obviously the person you collided with will have the same thing to say as well. So you just tell them what happened, and it will be taken care of.
And next time, read your rental contract and know exactly what your responsibilities are.
Posted: 28 Jan 2011 03:20 Post Subject: Thanks
When the person from enterprise contacts me
Just tell him that was an accident so I came to inform you that is no way related to the coverage of the car.
and that will not invalidate the coverage.
Is this OK to tell that particular person?
Posted: 30 Jan 2011 12:54 Post Subject:
Dev . . .
The claims person from Enterprise will ask you the questions they need answered. Answer the questions truthfully and don't try to add anything you have not been asked. Listen and answer. That's all.
If the representative asks you to state what happened, just recite the facts. Don't offer opinions -- they don't count -- unless asked specifically for one. And even then it probably doesn't count.
Posted: 08 Feb 2011 02:54 Post Subject: What does a one time offer mean
I was in a anto accident and I have some medical bills I was the passanger and GEICO has the release form for medical history and bills the accident was on 1/05/2011 it has been 1 month and I've lost time from school.I'm a student at ECPI .So what is a one time offer?
Posted: 09 Feb 2011 12:41 Post Subject:
Posted: 09 Feb 2011 12:41 Post Subject: 3 months and no solution
I've been struggling with my auto insurance company. 3 months ago my wife was in an accident, her fault. We took the car to get repaired and when we got it back the automatice door only worked 60% or the time. We kept taking it back to the dealership and they finally said that they did not know what was wrong. During the 2nd month the dealership sent it to another shop with more expertice with that model and they also could not find the trouble. They wanted to try replacing more parts in the door, but the insurance company would not pay for it until they acctually determined the problem. They said that the cost to replace the parts in the door would be to high without a gauranted solution. Both service departments said they could not determine the problem without using trial and error. Finally, after fighting with my insurance company they agreed to start, "Throwing parts at it." (there terminology) During this time, my rental agreement was maxed out. The garages and the insurance company wasted so much time fighting over who was paying for what that my car sat unrepared for now 3 months. It is drivable, but it does not function normally. There is no end in sight and I can no longer afford to rent another vehicle. I can't sell the car because it is not fixed. I tried to explain this to the insurance company, but they said that they can not do anything to help with the burden. They blame the garages and the garages blame the inssurance company. Do I have any other options with my insurance company or am i at their mercy?
Posted: 10 Feb 2011 11:35 Post Subject: medical/no fault
If a passenger in car is injured and I caused the accident, who is responsible for medical bills?
Posted: 26 Feb 2011 02:52 Post Subject: insurance claim
If i own a vehicle and i perform the repairs on it can i charge labor?
Posted: 11 Apr 2011 09:10 Post Subject: Lienholder
I was in an accident when it was icing and snowing on the road and damaged my vehicle. I received a check that was written out to me and my lienholder. I sent the check to the lienholder for endorsement and I did not sign the check before sending. They have kept the check so long, we had to pay the shop out of pocket. Since they have had the check for almost a month, my car payment was just due and now they are saying they will not send the check unless I make a payment or they will cash the check and apply part of it towards my payment and send me the remaining amount. Can they cash the check without me endorsing it???? And is this legal for them to hold my insurance check until i make a payment??? :x
Posted: 17 Apr 2011 12:30 Post Subject:
Since they have had the check for almost a month, my car payment was just due and now they are saying they will not send the check unless I make a payment or they will cash the check and apply part of it towards my payment and send me the remaining amount. Can they cash the check without me endorsing it???? And is this legal for them to hold my insurance check until i make a payment???
Insurance claims and loan payments are unrelated unless the vehicle's damage was a total loss, which is not your situation.
It is ABSOLUTELY UNLAWFUL for the lienholder to impair your right to the insurance claim check by demanding that you make a loan payment. Similarly, you cannot impair their right to collect payments on the vehicle loan -- you are contractually obligated to pay 100% of the loan principal, and interest until the principal is repaid.
The two matters are ENTIRELY UNRELATED ACTIONS. Your lender's demand conditioning sending you the insurance check on you sending a loan payment is not likely to be a part of your loan contract.
If your lienholder cashes the insurance claim check and fails to send you 100% of the money, and instead uses any part the money to pay themselves, that is known as CONVERSION, and they can be sued for doing that (just like it is unlawful for the bank to take money from your savings account without your consent to pay a check written against a different account). If the lienholder signs your name on the back of the check, they have committed FORGERY, for which they can be prosecuted (same as you could be for signing their name).
But don't fail to make your loan payment. For that, they could repossess the vehicle. And you would have little recourse.
It is unconscionable that the lienholder has acted in this manner. You should consider seeking legal counsel to inform them of the error of their ways. In a best case scenario, you might even obtain title to the vehicle with no additional payments as punitive damages. Even if they send you the insurance check after you make your payment, you can still sue them for breach of contract -- but your attorney will need a copy of your loan contract to find the provisions he/she needs to cite as the cause(s) of action.
Posted: 17 Apr 2011 10:02 Post Subject: Gap Insurance
What if I total out my car with no Insurance on it, but I did have the gap insurance from the dealership wil that with the payoff.
Posted: 18 Apr 2011 12:15 Post Subject:
NO. Guaranteed Auto Protection (GAP) insurance only pays some or all of the portion of your loss not paid by your own insurance (or the insurance of someone else who caused your damages). It will never pay the ENTIRE LOSS.
Besides, you do not normally get GAP insurance as a "stand alone" policy, you get it as an added provision in your personal auto policy. If you cancel or lapse your policy, you probably have no GAP protection.
Posted: 26 Apr 2011 02:25 Post Subject: ins after an accident
is there some1 out there who can help an absent minded ol fool who was jus trying to make their nephew/nieces lives more "easy" by giving them a vehicle...later is responsible for all the legal woes like repo, accident etc etc. Seriously is there such an ins that can assist....????
Posted: 04 May 2011 10:32 Post Subject: Can I su my insurance company or agent?
I was involved in an accident while driving in inclement weather, I started hydroplaning and lost control of my car. I ended up slamming into a guard rail and damaged the back end of my car. I filed a claim with GMAC, when the adjuster called me back she informed me that the vin number was wrong on my policy(this was my agents fault) and that my car was not covered. My agent admitts to the mistake, but wn't take responsibilty for fixing my car. It has now been 3 weeks. I have complained to the insurance comission and wrote several letters and did not receive a response. I can't find a lawyer to take my case because there was no other car or person involved. What can I do now??
NOTE: ANSWERED ELSEWHERE ON ANOTHER POST- DO NOT RESPOND TO THIS POST> Moderator InsTeacher
Posted: 13 Jun 2011 06:13 Post Subject: Mold Possibly caused by sunroof
Hello, my wife and I have our two cars covered through progressive insurance in Massachusetts. My wife had told me a few times that her car smelled of mold. Then a few months back I was driving and observed some water pour out of the dome lighting. I suspect that this is coming from a problem with the sunroof. Well now I noticed a VERY strong smell of mold and have discovered, what looks like mold coming out of one of the speakers on the dashboard. I have a 11 month old baby and I do not want her riding in this car one day longer(my car is a 2 door that is in worse shape then my wife's). My question is weather or not you think this is covered under my comprehensive insurance? Please give your advice on how I can go about getting this car either replaced or fixed and mold free.
Under my policies "General Provisions and Exclusions"
this is listed:
9. WE DO NOT PAY FOR ORDINARY WEAR OR TEAR
. .We wll not pay for damage to your auto which is due solely to ordnary wear and
tear, freezng, mechancal or electrcal falure, or for ordnary road damage to tires.
We willl, however, pay for ths damage. if it is the result of some other loss which is
covered by ths polcy.
Posted: 15 Jun 2011 08:53 Post Subject: Auto Insurance online - How it protects you and your vehicl
Thanks for this topic . I was wondering to gather information about Auto Insurance online and about protect yourself and vehicles . Thanks for sharing it.